Analisis atas Strategi Pengendalian Pembiayaan Mudharabah Anggota selama Pandemi Covid-19 pada BMT An Naafi’ Teras Boyolali

Fitriana, Wafiq Aisyah (2022) Analisis atas Strategi Pengendalian Pembiayaan Mudharabah Anggota selama Pandemi Covid-19 pada BMT An Naafi’ Teras Boyolali. KTTA thesis, Politeknik Keuangan Negara STAN.

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Abstract

Penyebaran wabah Covid-19 di berbagai negara menyebabkan banyak masyarakat kehilangan pekerjaan yang memicu tingginya pinjaman salah satunya di Baitul Maal wa Tamwil (BMT) guna memenuhi kebutuhan hidupnya. Penulisan karya tulis ini menyoroti strategi BMT An Naafi’ Teras, Boyolali dalam mengelola pembiayaan anggota agar tidak berdampak besar pada keberlangsungan BMT. Metode pengumpulan data yang digunakan dalam penulisan Karya Tulis Tugas Akhir ini adalah dengan studi kepustakaan dan wawancara. Hasil penelitian menunjukkan bahwa NPF BMT An Naafi’ selama pandemi tergolong tinggi dan cukup berisiko, sehingga upaya BMT An Naafi’ dalam mengatasinya dengan melakukan pengelompokan pembiayaan berdasarkan risiko ketertagihan pembiayaan. Perolehan pembiayaan yang diterapkan BMT An Naafi’ berdasarkan prinsip 5C (character, capacity, capital, conditions, dan collateral). Fokus pengelolaan pembiayaan selama pandemi yaitu pada kesejahteraan anggota. Pengelompokan pembiayaan, strategi pengendalian pembiayaan, penagihan pembiayaan, dan langkah penyelamatan yang dilakukan BMT An Naafi’ membawa dampak positif dan negatif bagi kelangsungan usahanya. Dampak negatif ini dimitigasi dengan mengelola pembiayaannya secara hati-hati selama pandemi Covid-19 jika dibandingkan tahun-tahun sebelumnya. / The spread of the Covid-19 outbreak in various countries caused many people to lose their jobs which triggered high loans, one of which was in Baitul Maal wa Tamwil (BMT) to meet their daily needs.The writing of this paper writes about the strategy of BMT An Naafi' Teras, Boyolali in managing member financing so that it does not have a major impact on the sustainability of BMT. The data collection method used in writing this Final Project is literature study and interviews. The results showed that the NPF of BMT An Naafi' during the pandemic was high and quite risky, so the efforts of BMT An Naafi' in overcoming it were by grouping financing based on the risk of collection of financing. The financing obtained by BMT An Naafi' is based on the 5C principle (character, capacity, capital, conditions, and collateral). The focus of financing management during the pandemic is on the welfare of members. The financing grouping, financing control strategy, financing collection, and the steps taken by BMT have both positive and negative impacts on the business. This negative impact was mitigated by managing its financing carefully during the Covid-19 pandemic when compared to previous years.

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